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Stay on your parents as long as you can if you want to save money
Do the HSA, you’ll thank yourself later.
Unfortunately my warning comes from direct experience 😔 so hopefully others hear will not make the same mistake I did, lol
Glad to hear it doesn't apply to your case, KPMG1
If you don't anticipate any notable medical costs in the near future, do the HDHP and start forming your HSA
If you expect a good amount of medical costs, stick to your parents health insurance plan